Call reports 2015
DESJARDINS BANK, NATIONAL ASSOCIATION — 2015
What DESJARDINS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 221,175,000 | 225,995,000 | 212,845,000 | 210,430,000 |
| Total loans | 157,451,000 | 162,131,000 | 160,788,000 | 162,490,000 |
| Allowance for loan losses | 2,255,000 | 2,257,000 | 2,258,000 | 2,191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,537,000 | 34,207,000 | 32,971,000 | 31,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,185,000 | 158,622,000 | 153,232,000 | 158,242,000 |
| Interest-bearing deposits | 21,257,000 | 18,696,000 | 17,711,000 | 17,333,000 |
| Noninterest-bearing deposits | 141,928,000 | 139,926,000 | 135,520,000 | 140,909,000 |
| Equity capital | 28,442,000 | 28,488,000 | 28,571,000 | 28,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,644,000 | 5,509,000 | 7,371,000 |
| Interest expense | 38,000 | 68,000 | 99,000 | 126,000 |
| Net interest income | 1,760,000 | 3,576,000 | 5,410,000 | 7,245,000 |
| Noninterest income | 624,000 | 1,062,000 | 1,452,000 | 1,992,000 |
| Noninterest expense | 2,125,000 | 4,305,000 | 6,409,000 | 8,615,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 259,000 | 333,000 | 453,000 | 622,000 |
| Income tax | 98,000 | 126,000 | 164,000 | 227,000 |
| Net income | 161,000 | 207,000 | 289,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,006,000 | 27,791,000 | 27,912,000 | 28,082,000 |
| Total capital | 29,264,000 | 29,219,000 | 29,306,000 | 29,401,000 |
| Risk-weighted assets | 98,996,000 | 112,994,000 | 110,246,000 | 104,291,000 |